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46

Platinum Elite

Lake Trust Credit Union

NationalFixed rateCredit score 620–719
Issuer site ↗
Purchase APR
—
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Contract X-Ray — what's buried in the fine print

0 red flags · 15 filed docs

Detected in the CFPB-filed cardholder agreements from Lake Trust Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Cash advance APR

No score
18.40%
≤619
22.40%
620–719
18.40%
720+
15.40%
Lowest offered14.90%
Median—
Highest offered22.40%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Sales Draft Copy Fee$5
Card Personalization Fee$5
Rush Fee$30
Statement Copy Fee$2

Rewards, benefits and features

Rewards

None reported

Services
  • Automobile rental insurance
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:

Geographic: • Any person who lives, works, worships or attends school in the State of Michigan. • Retirees of legal entities which are located in the counties that comprise the State of Michigan. • Any legal entity that is comprised for the most part of the same gene

Phone8882677200
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

15 documents filed by Lake Trust Credit Union in the 2026 Q1 archive.

All 15 agreements

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